{"id":43269,"date":"2025-04-22T06:10:08","date_gmt":"2025-04-22T06:10:08","guid":{"rendered":"https:\/\/www.europesays.com\/fr\/43269\/"},"modified":"2025-04-22T06:10:08","modified_gmt":"2025-04-22T06:10:08","slug":"appel-a-une-souverainete-des-paiements-en-europe","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/fr\/43269\/","title":{"rendered":"Appel \u00e0 une souverainet\u00e9 des paiements en Europe"},"content":{"rendered":"

Les seize banques actionnaires du portefeuille \u00e9lectronique europ\u00e9en Wero, souhaitent renforcer l\u2019ind\u00e9pendance des paiements, une industrie domin\u00e9e par les Am\u00e9ricains.<\/p>\n

En cette p\u00e9riode de fortes tensions commerciales avec les \u00c9tats-Unis,\u00a0l\u2019Europe veut reprendre son destin en main en mati\u00e8re de paiements<\/a>, domin\u00e9s par les Am\u00e9ricains Visa, MasterCard ou PayPal. La BCE plaide pour acc\u00e9l\u00e9rer la cr\u00e9ation d\u2019un\u00a0euro num\u00e9rique<\/a>. Les banques se mobilisent. \u00ab\u00a0L\u2019Europe doit trouver la voie de la souverainet\u00e9 et de l\u2019ind\u00e9pendance en mati\u00e8re de paiements. Il ne s\u2019agit plus simplement d\u2019un concept pour l\u2019avenir, mais d\u2019une n\u00e9cessit\u00e9 actuelle\u00a0\u00bb, \u00e9crivent, dans une lettre ouverte, les seize banques actionnaires (dont toutes les fran\u00e7aises) d\u2019European Payments Initiative (EPI).<\/p>\n

Celle-ci a d\u00e9velopp\u00e9\u00a0Wero<\/a>, un portefeuille de paiement num\u00e9rique paneurop\u00e9en, reposant sur le virement instantan\u00e9, en France, en Allemagne, en Belgique et aux Pays-Bas. \u00ab\u00a0Nous devons travailler \u00e0 trouver une solution viable qui rendra cette ind\u00e9pendance des paiements europ\u00e9ens pleinement possible\u00a0\u00bb, insiste l\u2019EPI. Cette industrie est fragment\u00e9e en Europe\u00a0: les banques espagnoles, italiennes et portugaises viennent de s\u2019allier en lan\u00e7ant leurs propres services de paiement instantan\u00e9 transfrontaliers.<\/p>\n

Dans ce contexte tr\u00e8s concurrentiel, les membres d\u2019EPI appellent \u00e0 des ententes\u00a0: \u00ab\u00a0EPI est pr\u00eat \u00e0 coop\u00e9rer activement avec l\u2019ensemble des r\u00e9seaux de paiements num\u00e9riques locaux (\u2026), \u00e0 une approche d\u2019interop\u00e9rabilit\u00e9 fond\u00e9e sur une solution commune d\u2019acceptation des paiements marchands (\u2026), permettant d\u2019effectuer des paiements transfrontaliers et d\u2019obtenir une couverture europ\u00e9enne compl\u00e8te.\u00a0\u00bb Pour les banques, les enjeux sont \u00e9normes, tant au niveau de la souverainet\u00e9 que sur le plan financier.<\/p>\n","protected":false},"excerpt":{"rendered":"Les seize banques actionnaires du portefeuille \u00e9lectronique europ\u00e9en Wero, souhaitent renforcer l\u2019ind\u00e9pendance des paiements, une industrie domin\u00e9e par…\n","protected":false},"author":2,"featured_media":43270,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1586],"tags":[631,627,630,11,4282,340,398,343,634,405,629,636,1777,450,674,632,638,1011,27,637,399,639,635,12,25,401,628,633,407],"class_list":{"0":"post-43269","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-europe","8":"tag-action","9":"tag-actions-francaise","10":"tag-actualite-bourse","11":"tag-actualites","12":"tag-banques","13":"tag-bourse","14":"tag-bourse-de-paris","15":"tag-cac-40","16":"tag-cotation","17":"tag-cotations","18":"tag-cours-des-societes-francaises","19":"tag-devises","20":"tag-eu","21":"tag-euro","22":"tag-europe","23":"tag-fcp","24":"tag-figaro","25":"tag-fr","26":"tag-france","27":"tag-indices","28":"tag-investissement","29":"tag-le-figaro","30":"tag-marches","31":"tag-news","32":"tag-republique-francaise","33":"tag-sicav","34":"tag-societes-etrangeres","35":"tag-warrant","36":"tag-warrants"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@fr\/114380133140197996","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/43269","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/comments?post=43269"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/43269\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media\/43270"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media?parent=43269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/categories?post=43269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/tags?post=43269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}